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No, movement of earth or soil is not covered under a homeowners policy just as an earthquake is not covered under a normal policy unless you purchased the additional coverage.

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Q: Will homeowners insurance cover foundation problems due to a drought?
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Will homeowners insurance cover damaged the foundation settling caused by drought?

No. Movement of earth is specifically excluded by homeowners insurance. This is the fault of the builder for not compacting the earth properly and providing the proper foundation. Home insurance was not made to cover such.


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Madhur Gautam has written: 'Rural demand for drought insurance' -- subject(s): Disaster Insurance, Droughts, Insurance, Disaster


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How do you know you need a foundation repair?

I came across a quick discussion here: http://www.wikihow.com/Spot-the-Signs-of-Foundation-Failure. This article is timely because of the continued drought in the midwest. There was an interesting local news segment on the problem http://fox4kc.com/2012/12/11/continuing-drought-causing-foundation-problems-across-metro/ "Continuing Drought Causes Foundation Problems Across Metro". I've noticed cracks in the walls of my home's foundation and I'm following these steps to find the right repair company. I'm particularly interested in the piering methods that different companies use. It looks like most companies use steel but I've found one local company that uses concrete piers. It sounds like it makes a lot of sense to me, since it has a bigger footprint. The company, Beaver Foundation Repair, actually calls it the Big Foot. You can read about it here: http://www.beaverfoundation.com/our-services/settling Since so many companies use the steel piers I am wondering what you think about this alternative method?


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So many problems. Its a poor country with a vast population. Main problems: Fighting hunger, flood, drought


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Disease, famine, drought, and the Rocky mountains.


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lack of economic opportunity,social problems, and drought.